Consumer credit firm

We regulate more than 50,000 firms that offer credit, loans or debt services. Consumer credit firms include credit card issuers, credit brokers, payday lenders, log book lenders, peer-to-peer lenders, pawnbrokers, and debt management and debt collection firms.

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Appointed representatives and principals: consumer credit

See what consumer credit firms need to know about appointed representatives and principals. Read more
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Approved persons: consumer credit

At least one individual in most consumer credit firms must be ‘approved’ by us. This does not apply during interim permission. Read more
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Authorisation application video guides: Consumer Credit

Watch our step-by-step guides to completing authorisation applications on our Connect system. Introduced by business adviser and TV personality, Nick Hewer. Read more
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Authorisation: consumer credit

Firms must be authorised by us, or have interim permission, to offer consumer credit. Find out more about authorisation and how to apply for it. Read more
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Change of legal status

If we authorise your firm and you are thinking of changing its legal status, e.g. from a partnership to a limited company - you must apply for authorisation for the new company. Read more
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Client money and assets reporting

Client Assets sourcebook (CASS) medium and large firms have to complete a Client Money and Assets Return (CMAR) each month through GABRIEL, our reporting system for collecting, validating and storing regulatory data. Read more
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Related news & publications

Visit the FCA for more news and updates
News | 19 Nov 2015

HBOS Group review

The FCA and PRA publish a review into the failure of HBOS Group.

News | 03 Nov 2015

Credit card market study

Our interim findings show that competition is working fairly well for consumers in most of the market.

News | 15 Oct 2015

Regulation round-up

Latest edition of our monthly newsletter for regulated firms.

News | 03 Sep 2015

New Financial Services Register

It is now easier to find information on regulated firms, individuals and other bodies.